Veterans: Sellers Can Pay UP TO 4% of Purchase price + Closing Costs on a VA Loan?

 

Did You Know? Sellers Can Pay UP TO 4% of Purchase price + Closing Costs on a VA Loan? 

Hey my fellow Veterans and active duty—did you know that sellers can contribute up to 4% in concessions PLUS closing costs when you buy a home with a VA loan?

That’s right! The VA loan benefit doesn’t just give you the power of zero down payment and no private mortgage insurance—it also allows sellers to step in and help cover expenses that make buying a home more affordable.

What Counts as Seller Concessions?

Seller concessions can cover a variety of costs, such as:

  • Prepaid taxes and insurance

  • Funding fee (if applicable)

  • Paying off collections or judgments at closing

  • Even things like gifts (appliances, etc.) within VA rules

And that’s in addition to normal closing costs—which sellers can also cover.

Why This Matters for You

  • Less money out of pocket at closing.

  • Flexibility to keep cash in your savings account for moving costs, furniture, or emergencies.

  • Makes homeownership more accessible—especially in competitive markets like Texas, Florida, Alabama, Colorado, and Tennessee.

Pro Tip

Work with an experienced VA loan officer (like me!) and a Realtor who knows how to negotiate seller concessions. Together, we can structure your purchase in a way that maximizes your benefits and saves you money.

Veterans, you’ve earned these benefits. Don’t leave money on the table when buying your next home.

Realtors, I can assist you with preparing for these negotiations.

About Between Two Doors

Between Two Doors is a podcast where I talk with Realtors about their journey, aiming to connect home buyers and sellers with agents on a more personal level. I ask "right brain" questions that go beyond transactions, focusing on the experiences, values, and passions that make these professionals great at what they do.

Listen to more episodes at: https://www.betweentwodoors.com

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https://www.natecarver.com

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